Instant Loans

Up to £1,000 Start now – get an instant decision

Your car breaks down, and it’s going to cost an arm and a leg to repair. More than you can afford right now. But you need the car to get to work. And your salary won’t hit your bank account for at least another week. If only there was a way you could access that money today. Sound familiar?


Many of us deal with unexpected events in our lifetime, unforeseen circumstances that put us in financial difficulty. And savings are not always readily available, especially if you’ve recently lost your job or, for whatever reason, have landed on hard times.


We are here to help. Here at Cashfloat, we provide instant payday loans that give total peace of mind. Allowing you to make your payments on time, without the stressful days and sleepless nights.


Apply Now for a quick loan!

Instant Payday Loans: How They Work

Instant cash loans are precisely that; funds credited directly into your account after a successful application. Sometimes known as payday loans, these types of payment plans are often used for emergencies, offering a little extra essential cash until ‘payday’. For example, to help cover the costs of household repairs, unexpected bills, medical care, or any other financial hurdle headed your way.


Due to their urgency, instant cash payday loans come with high rates, which means they should never be used for long-term monetary needs. Instead, we provide immediate solutions to alleviate short-term problems, with loans available from £300 to £1,000 for a duration between three and six months.



Instant Payday Loans: Bad Credit

Perhaps you’ve already applied for instant loan approval on one or more occasions, only to be rejected on account of your poor credit rating. Instant loans for bad credit, especially those provided by reputable money lending services, can be harder to come by, as many companies request a guarantor for those with too low a rating.


At Cashfloat, we understand that credit history doesn’t reveal the whole story, and we believe accessible loan options should be available to everyone. As a bad credit direct lender, we not only offer more opportunities, but we also treat our customers equally, imposing the same loan rates across the board, regardless of credit rating. On top of that, all our loans are unsecured. So, even with poor credit, you may still be entitled to a loan without securing a guarantor or collateral.


What About Instant Loans No Credit Check?

Instant cash loans rely on their speed to help customers with urgent financial hardships. However, no transference of money is actually possible without a credit check, that is, if the company offering their services adheres to the rules and regulations set out by the UK’s controlling body, the FCA. If opting for a no credit check loan, the likelihood of getting involved in scams and accumulating hefty debts increases considerably.


If you are worried that your poor credit will reduce your chances of loan approval, fear not! We are more concerned with your legitimate ability to repay the money than your financial history. Of course, we take your credit into account, but this is just one of several factors we consider as part of your request. If you’re still unsure, you can always enter your details into our online calculator to assess your affordability rating before starting your application.


Apply Now even with bad credit!

Instant Payday Loans Direct Lenders

One of the reasons why we are able to deliver our response instantaneously comes from the fact that we are direct lenders. Unlike brokers, we do not pass information on to third parties and waste time finding you a financial backer. Instead, we process all applications ourselves and transfer the money to you directly. This not only speeds up the procedure, but it also means you know who you are working with at all times.


How to Apply

In order to apply for an instant cash payday loan, you must first meet the following requirements:

  • In accordance with the law, you must be 18 years old or above

  • You must be in employment with a regular income

  • You must be a UK resident with a UK bank account


As long as the above criteria are met, you can apply, free of charge, right this minute. There are no hidden fees, and total repayment amounts are shown clearly before processing. After submitting the application, you will receive a notification from one of our team members with our response.


Apply Now – get a fast loan!

If unfortunately, your request is denied, all is not lost! We can still act as a broker on your behalf. If you give us permission to do so, we will then search for a third-party lender authorised by the FCA to approve your loan.


If approved, you will receive your money directly and can log into your account at any time to view your payment plan. We aim to make repayment as easy as possible. We actively encourage our customers to repay their debt at their earliest convenience by only charging for the days that the loan is active. Unlike many providers who charge for early repayment, we do not. In fact, we want to promote ethical, economic transactions unspoilt by any hidden costs or small print.


Similarly, if you’re struggling to meet your payment date, just give us a call, send us an email or contact us via our live chat. We will be happy to discuss your options and perhaps offer you an alternative payment plan.


Loans for bad credit, no guarantor, no fees, instant decision! Let Cashfloat unburden your financial load and set you on a path towards economic stability!



Instant Decision Loans Online

Cashfloat strives for a superior customer experience. We are transparent, reliable and will do everything we can to meet your needs. One way of achieving this ambition is to provide our customers with instant decisions. Waiting around for loan approval can create unnecessary surplus stress. With our bad credit online loans, the application process is straightforward and speedy.


After completing the online application, which can be filled out 24/7 and takes roughly three minutes in total, you will receive an instant decision. If approved, your money will be credited to your account the very same day, usually within the hour.



Representative example
Total amount of credit: £700
Duration of the agreement: 6 months
Repayment total: £1,179.05
Interest is Fixed at rate of 185.39% per year | Representative 611.74% APR
£168.45
Installment 1
£224.60
Installments 2 ‐ 6
£112.20
Installment 7